ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is The Toho Bank, Ltd. ?
1
Poor Management Efficiency with a low ROA of 0.05%
- The bank has been able to generate a Return on Assets (avg) of 0.05% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 9.78% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 22.20%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 9.78% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.05% signifying low profitability per unit of total assets
3
Positive results in Jun 25
- ROCE(HY) Highest at 0.13%
- NET SALES(Q) Highest at JPY 15,325 MM
- NII(Q) Highest at JPY 11,425 MM
4
With ROA of 0.11%, it has a very attractive valuation with a 0.43 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 124.42%, its profits have risen by 42% ; the PEG ratio of the company is 0.3
- At the current price, the company has a high dividend yield of 0.1
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to The Toho Bank, Ltd. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is The Toho Bank, Ltd. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
The Toho Bank, Ltd.
-100.0%
3.58
31.98%
Japan Nikkei 225
38.59%
1.45
26.59%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
4.50%
EBIT Growth (5y)
23.29%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
30.22%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
0.43
EV to EBIT
-174.55
EV to EBITDA
-96.97
EV to Capital Employed
1.13
EV to Sales
-22.16
PEG Ratio
0.27
Dividend Yield
0.15%
ROCE (Latest)
-0.65%
ROE (Latest)
3.77%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Bullish
Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend23What is working for the Company
ROCE(HY)
Highest at 0.13%
NET SALES(Q)
Highest at JPY 15,325 MM
NII(Q)
Highest at JPY 11,425 MM
OPERATING PROFIT(Q)
Highest at JPY 4,406 MM
PRE-TAX PROFIT(Q)
Highest at JPY 4,868 MM
NET PROFIT(Q)
Highest at JPY 3,403 MM
EPS(Q)
Highest at JPY 13.63
-7What is not working for the Company
INTEREST(9M)
At JPY 8,062 MM has Grown at 1,671.87%
ROCE(HY)
Lowest at 0.13%
CASH AND EQV(HY)
Lowest at JPY 2,464,166 MM
Here's what is working for The Toho Bank, Ltd.
Net Sales
Highest at JPY 15,325 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
Net Sales
At JPY 15,325 MM has Grown at 43.05%
over average net sales of the previous four periods of JPY 10,713 MMMOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
NII
Highest at JPY 11,425 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Operating Profit
Highest at JPY 4,406 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Pre-Tax Profit
Highest at JPY 4,868 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Pre-Tax Profit
At JPY 4,868 MM has Grown at 77.21%
over average net sales of the previous four periods of JPY 2,747 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Net Profit
Highest at JPY 3,403 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Net Profit
At JPY 3,403 MM has Grown at 78.14%
over average net sales of the previous four periods of JPY 1,910.31 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
EPS
Highest at JPY 13.63
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
CASA
Highest at 10.97%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for The Toho Bank, Ltd.
Interest
At JPY 8,062 MM has Grown at 1,671.87%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Cash and Eqv
Lowest at JPY 2,464,166 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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